Car Insurance Quotes for a Volkswagen Jetta in Arlington

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Volkswagen Jetta insurance
Volkswagen Jetta insurance image courtesy of QuoteInspector.com

It goes without saying that car insurance companies don't want you to look for cheaper rates. Consumers who shop around annually will presumably buy a new policy because they have good chances of finding a policy with better rates. Surprisingly, a recent survey revealed that drivers who routinely compared quotes saved on average $865 a year as compared to drivers who never shopped around for cheaper prices.

If finding budget-friendly insurance in Arlington is your ultimate goal, then knowing how to get rate quotes and compare insurance premiums can save time and make the process easier.

Insurance for Volkswagen JettaIf you want to find the absolute lowest rates, then the best way to get the cheapest Volkswagen Jetta insurance is to regularly compare price quotes from providers who sell insurance in Arlington. This can be done by following these steps.

  1. Get an understanding of car insurance and the things you can change to prevent expensive coverage. Many rating factors that increase rates such as speeding tickets, accidents and a low credit score can be amended by making minor driving habit or lifestyle changes.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while independent agencies can quote rates from multiple insurance companies. View insurance agents
  3. Compare the quotes to your existing coverage to see if cheaper Jetta coverage is available in Arlington. If you find better rates, make sure coverage does not lapse between policies.

A key point to remember is to make sure you're comparing the same physical damage deductibles and liability limits on every quote request and and to get rate quotes from as many companies as possible. Doing this ensures a fair rate comparison and a complete price analysis.

Rates and information analytics

The price information below showcases a range of policy rates for Volkswagen Jetta models. Knowing how insurance quotes are formulated can assist in making smart policy decisions.

Volkswagen Jetta Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $286 $486 $388 $24 $116 $1,300 $108
Jetta S 2.5 Station Wagon $286 $486 $330 $20 $98 $1,220 $102
Jetta LE 4-Dr Sedan $286 $486 $388 $24 $116 $1,300 $108
Jetta SE 4-Dr Sedan $322 $572 $388 $24 $116 $1,422 $119
Jetta SE 2.5 Station Wagon $322 $572 $330 $20 $98 $1,342 $112
Jetta 2.0T 4-Dr Sedan $322 $572 $388 $24 $116 $1,422 $119
Jetta SEL 4-Dr Sedan $322 $572 $388 $24 $116 $1,422 $119
Jetta 2.0T Station Wagon $322 $572 $330 $20 $98 $1,342 $112
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in garaging location in Arlington which can increase or decrease premiums noticeably.

Insurance deductibles

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The figures shown below help summarize the costs and benefits when you select higher and lower physical damage deductibles. The first data table uses a $250 deductible and the second price grid uses a $1,000 deductible.

Volkswagen Jetta insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Jetta S 2.5 Station Wagon $294 $496 $324 $20 $96 $1,255 $105
Jetta LE 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Jetta SE 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Jetta SE 2.5 Station Wagon $332 $584 $324 $20 $96 $1,381 $115
Jetta 2.0T 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Jetta SEL 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Jetta 2.0T Station Wagon $332 $584 $324 $20 $96 $1,381 $115
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Volkswagen Jetta insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Jetta S 2.5 Station Wagon $182 $312 $324 $20 $96 $934 $78
Jetta LE 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Jetta SE 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Jetta SE 2.5 Station Wagon $206 $368 $324 $20 $96 $1,014 $85
Jetta 2.0T 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Jetta SEL 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Jetta 2.0T Station Wagon $206 $368 $324 $20 $96 $1,014 $85
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in specific location information which can increase or decrease price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $29 more each month or $348 for a full year averaged for all Jetta models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 26 months between claims, you would come out ahead if you elect the higher deductible.

Rate comparison of men versus women in Arlington

The chart below illustrates the comparison of Volkswagen Jetta auto insurance costs for male and female drivers. Data assumes no violations or accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied.

Full coverage versus liability-only in Arlington

The example below visualizes the comparison of Volkswagen Jetta insurance premiums with liability coverage only compared to full coverage. The data assumes a clean driving record, no claims, $100 deductibles, marital status is single, and no policy discounts are applied.

When to buy liability coverage only

There is no definitive guideline to eliminate physical damage coverage, but there is a general guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Volkswagen Jetta book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying the physical damage deductible. If you are paying over $600 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Insurance Premium Influencing Factors

A large part of saving on car insurance is knowing the different types of things that aid in calculating the price you pay for car insurance. If you understand what controls the rates you pay, this enables informed choices that may reward you with big savings.

  • Amount of liability coverage - A critical coverage on your policy, liability insurance provides coverage in the event that you are found to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
  • Save money with good credit - Having a good credit score can be a huge factor in determining premium rates. Insureds with high credit scores tend to file fewer claims and have better driving records than those with worse credit. If your credit history is low, you could be paying less to insure your Volkswagen Jetta by repairing your credit.
  • Performance impacts prices - The type of car you are trying to find cheaper insurance for makes a substantial difference in your rates. The cheapest rates are usually found on economy passenger vehicles, but many other things help determine your insurance rates.

    The following chart is based on a married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Volkswagen Jetta rates compared to other models that have a range of risk factors.

  • Advanced theft deterrents - Buying a car that has an advanced theft prevention system can help lower your premiums. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
  • Policy add-ons may not be needed - There are quite a few add-on coverages you can purchase if you don't pay attention. Coverages like rental car coverage, death and dismemberment, and extra equipment coverage are probably not needed. The coverages may be enticing when talking to your agent, but if they're wasting money consider taking them off your policy.
  • Single drivers take more risk - Getting married helps lower the price when buying car insurance. Having a significant other demonstrates that you tend to be more stable financially and it's statistically proven that married drivers tend to file fewer claims.
  • Insurance loss statistics a Volkswagen Jetta - Insurers analyze historical claim data when they set coverage costs for each model. Models that the data shows to have higher losses will cost more for specific coverages.

    The table below outlines the historical insurance loss data for Volkswagen Jetta vehicles. For each type of coverage, the statistical loss for all vehicles as a whole is set at 100. Values that are 100 or less indicate a favorable loss history, while values that are above 100 point to more frequent losses or statistically larger losses.

    Insurance Loss Ratings for Volkswagen Jetta Vehicles
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Volkswagen Jetta 110 118 93 113 123 127
    Volkswagen Jetta Hybrid 128 121 114 104
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Frequent quotes can save

Drivers switch companies for many reasons like poor customer service, not issuing a premium refund, high rates after DUI convictions or policy cancellation. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

As you quote Arlington car insurance, don't be tempted to sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and learned later that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best possible price, not the least amount of coverage.

Lower-priced auto insurance in Arlington is attainable from both online companies and also from your neighborhood Arlington agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not have online quoting and these small, regional companies only sell through independent agencies.

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